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ANALISIS KEPUTUSAN NASABAH MENABUNG DI BANK SYARIAH (STUDI KASUS DI PT. BPRS PUDUARTA INSANI) Nurul Inayah; Sri Sudiarti
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. II | No. 1 | 2017
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (203.998 KB) | DOI: 10.30821/ajei.v2i1.780

Abstract

The research was aimed to analyze the customer’s saving decision at sharia bank (a case study in PT. BPRS Puduarta Insani). The method used in this research is a quantitative approach by multiple linear regression analysis, it was supported by stationarity test and the classical assumption test in Eviews version 8.0. The results showed that in the partially test the customer’s knowledge had a positive and significant influence on the saving decision amounted to 35,2% and this is the most dominant factor, bank characteristics had a positive and significant influence on the saving decision amounted to 21,8%, service quality had a positive and significant influence on the saving decision amounted to 33,7% and physical object of the bank had a positive and significant influence on the saving decision amounted to 19,9%. And in the simultaneously test the customer’s knowledge, bank characteristics, service quality and physical object of the bank had the significant influence on the saving decision amounted to 65,75% and the rest was influenced by other factors not examined in this research.
PENGATURAN KONTRAK DALAM VALIDITAS MUAMALAH Abdul Latip; Sri Sudiarti; Julfan Saputra
Jurnal Akrab Juara Vol 6 No 3 (2021)
Publisher : Yayasan Akrab Pekanbaru

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Abstract

Pada dasarnya dapat dikatakan bahwa hukum Islam mengakui adanya kebebasan berkontrak. Kebebasan berkontrak yang dimaksud adalah kebebasan dalam menentukan bentuk-bentuk perjanjian yang digali berdasarkan dalil-dalil umum dalam Islam. Nas-nas al-Qur’an dan Sunnah Nabi serta kaidah-kaidah fiqih menunjukkan bahwa hukum Islam menganut as kebebasan berkontrak. Selain itu Al-quran juga menyatakan dengan tegas bahwa pelaku akad wajib didasarkan pada keridhoan sehingga ada persetujuan diantara pelaku akad (kontrak) selain itu juga larangan terhadap pelaku riba dan gharar hal tersebut agar terpeliharanya kemaslahatan bagi para pihak pelaku akad (konttrak). Senada dengan al-Quran, Hadi para ulama juga berpendapat tentang perbuatan akad yang tidak dibenarkan didalam syariah seperti akad yang dilakukan dengan cara yang rela serta larangan terahadap riba dan gharar. Sejalan dengan itu hukum positip yaitu Kitab Undang-undang Hukum Perdata juga mengatur tentang akad-akad kontrak. Maka dengan demikian baik hukum syariah maupun hukum positip mengatur akad kontrak dengan tujuan kesejahteraan dan kepastian hukum
Kontrak Pembiayaan Murabahah Serta Aplikasinya dalam Masyarakat Ditinjau dari Perspektif Fiqh Muamalah Maliyah Arpizal Arpizal; Sri Sudiarti; Asmaul Husna
Al-Sharf: Jurnal Ekonomi Islam Vol 2, No 1 (2021)
Publisher : Al-Sharf: Jurnal Ekonomi Islam

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Abstract

The implementation of Islamic economics has recently been increasingly recognized by various layers of society, coupled with the presence of the Indonesian Islamic Bank (BSI) which strengthens Islamic values. The implementation of sharia economics is an alternative that can be chosen by people who want every muamalah that is carried out free from elements that are prohibited by Islamic law. Muslims in Indonesia are increasingly aware that the element of muamalah, especially in the economic field, must be based on Islamic law so that every transaction or act gets the pleasure of Allah swt and acts of worship. Such as murabahah contracts, including the most widely used by Muslim communities in Indonesia. The contract is widely used in Islamic banking to transact with its customers. However, outside of Islamic banking, there are also individuals who apply murabahah contracts, although the numbers are small. Implementation by sharia banking and individual communities must remain in accordance with the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). The DSN-MUI fatwa has explained the terms and pillars of each.Keywords:   Akad, Murabahah, Application, Fiqh Mualamah Maliyah
Pengaruh Remunerasi, Motivasi dan Kepuasan Kerja Terhadap Kinerja Pegawai Universitas Islam Negeri Sumatera Utara Medan Hijja Mardhiya Nasution; Sri Sudiarti; Isnaini Harahap
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. IV| No. 1 | 2019
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v4i1.4087

Abstract

This study aims to analyze the effect of remuneration, motivation and job satisfaction on employee performance at UIN North Sumatra Medan both partially and simultaneously. The research design used is quantitative research using multiple linear regression analysis techniques supported by classic assumption tests and statistical tests with the help of SPSS 22 program. Data collection techniques in this study by distributing questionnaires to the sample in this study were 153 employees of education staff UIN North Sumatra Medan. From the results of t-statistic research that the variable remuneration significantly influences employee performance. The t-statistic test results of motivation variables significantly influence employee performance. T-statistic test results that variable job satisfaction significantly affect employee performance. Simultaneously it is obtained that F-count is greater than F-table and can also be seen in the probability value smaller than the level of significance. It can be concluded that the variable remuneration, motivation, and job satisfaction jointly influence the performance of UIN North Sumatra Medan employees
KONSEP KEPEMILIKAN DAN DISTRIBUSI DALAM EKONOMI ISLAM Nuri Aslami; Sri Sudiarti
Jurnal Ekonomi dan Bisnis (EK&BI) Vol 5 No 1 (2022)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v5i1.452

Abstract

Since the time of the Prophet, the issue of ownership has existed and resurfaced. However, the meaning of the phrase, also known as "Al-Milkiyyah," shifted at this time, from property, which was initially only utilized for the requirements of life, to power and power. Islamic economics aspires to create a fair distribution of income and riches in people's lives. This article aims to examine from an Islamic perspective the concept of ownership and distribution of wealth for human welfare. Because humans born on earth do not have anything. This research method uses qualitative methods with library research data analysis techniques. The results and discussion in this study include that property - according to Islam - is not private property (capitalism) nor is it shared property (socialism) but belongs to Allah, this is mentioned in the Qur'an and Sunnah. Allah SWT gives power to humans to own and use these assets. In Islam, it is stated that ownership has three types, namely individual, public, and state ownership. In terms of the object's context, ownership is divided into two, namely: Al Milk At Tamm (Perfect Ownership) and Al Milk An Naqish (Imperfect Ownership). The concept of distribution of wealth offered by Islamic economics in this case, among others, by creating an economic balance in society. Islamic economics offers priority steps that need to be taken by the competent authority which in this case is the government, namely: (1) Zakat; (2) The state must regulate the equal distribution of natural resources; (3) The wealth of the community must be managed by the state in the context of optimizing maximum results; (4) Community services that generate profits must be managed; and (5) non-profitable public services must be subsidized by the state. Keyword : Ownership, Distribution , Islamic Economy